First major Belgian bank launches MiCa-compliant Bitcoin and ETH trading for private customers
- The major Belgian bank KBC has become the first major EU financial institution to start MiCA-regulated trading in Bitcoin and Ethereum for private customers.
- It can become a model for how digital assets can be practically integrated into traditional banking.
Using KBC’s own investment platform Bolero, customers can now buy, hold and sell BTC and ETH directly – embedded in the usual banking infrastructure and in compliance with all new EU rules for crypto service providers.
MiCA as an EU standard for security and transparency
By implementing the MiCA requirements, KBC meets strict requirements for custody, risk management and transparency. The bank uses its own custody architecture, which means that there is no forwarding to external exchanges.
For investors, this means a clear separation of customer and bank assets, defined liability rules and a significant reduction in operational risks, as became apparent in the past through the insolvency of crypto exchanges.
Before customers are allowed to trade, they must complete a mandatory knowledge test that ensures they understand the risks of digital assets. KBC does not offer advice; trading takes place exclusively on the basis of specific instructions from the customer.
BTC and ETH as a “normal” banking product for the first time
At the start, the offer is deliberately limited to Bitcoin and Ethereum. Both are now considered liquid, highly capitalized and clearly regulated assets, making it easier for conservative investors to get started.
Trading takes place directly via an existing depot, including uniform tax reports and a familiar user interface. This means that for many customers, crypto will for the first time become an individual banking product that fits into existing financial instruments.
Signaling effect for Germany and Austria
The pioneering role of the Belgian KBC Bank is likely to have an impact across the EU. Banks in Germany and Austria are already working on their own offers, including Commerzbank, DZ Bank and Raiffeisen Bank International.
Industry observers expect other large banks to follow suit in 2026 and 2027. In any case, the KBC crypto entry should be seen as the starting signal for the integration of digital assets for private customers in the EU banking sector.
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